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Is it better for Mr. Money in the Bank to be a heel?

Just thinking, in my experience, I have always enjoyed the money in the bank winner more when they have the briefcase if they're a heel.

It helps build people up as a chickenshit heel (although I hate that character) by cashing it in on an already wounded champion (Miz vs Orton). Also it can be fun when given to a monster heel who can just come down whenever they want and beat the current champion after their match (like Kane vs Mysterio).

I think it's much more difficult when a face has the briefcase as it's not really a face move to cash in on an already tired opponent.

Do you guys think it's possible for a face mr money in the bank to be as entertaining as a heel one? Bryan as a face with the briefcase got boring so they had him cash it in early before his promise for example again.